Active investing is a full time job that people who do it full time often fail it. You often need multi millions in the bank for it to start outperforming your

Active investing is a full time job that people who do it full time often fail it. You often need multi millions in the bank for it to start outperforming your actual job income too, so it doesn't make sense outside of investment firms and banks most of the time. Realize that part of active investing is you have to beat the returns of VTI + your current job / biz income.